bepgof

No need to wait, seeing is believing: Seastrand@pasir ris already offer 3 mnth sibor/sor+0% till TOP. Developers started to come out with new patterns liao. Why?

- Domestic interest rates up up up. - Retrenchment here & there, j o b l e s s. - NWC announces wage freeze/cut. - Signage boards at hawker centre keep change change change - Coffee shops keep exchange hand - Stock market down down down - Entertainment trade close one by one - COE down down down .....

My black galaxy from india at $90psr, through ID, 2009 dec.

Outskirt willl be hit in early 2013, I expect. http://www.renotalk.com/forum/index.php?showtopic=38353&view=findpost&p=648691 "From its trough in 2Q2009, the price index for non-landed residential properties in the Core Central Region (CCR) increased 42 per cent to 204 points from 144 points. The same index for Outside Central Region (OCR) climbed more rapidly, up 54 per cent to 185 points from 120 points." "In terms of the number of homes being constructed, the proportion of units in the more luxurious locations inside CCR will decline from 33 per cent in 2013 to 26 per cent in 2015." "This means the proportion of units in the outskirts (OCR) and mid-tier locations (RCR) of Singapore will rise from 67 per cent to 74 per cent. Now, the percentage rise may seem mild but in absolute numbers, we can expect 8,686 units to be completed within the OCR and RCR in 2013, 13,014 units in 2014 and 14,510 units in 2015." "Conversely, with very few residential land sales and en bloc programmes in Districts 9, 10 and 11 since 2009, we can hardly expect significant fresh supply in CCR in 2013 to 2015. A significant number of completions in CCR come from the projects delayed since the previous peak, such as d'Leedon (en bloc), Leedon Residence (en bloc) and South Beach (Government Land Sales)."

Location is just one of the many factors which dictate its value. Those of short-term accomodation would prefer to stay in CCR, in a country, for convenience. Local prefer to mix with local. Have you experienced CCR like dead town during holidays? Like super market during busy time. People passing by each other without looking at each others. Obviously, I prefer to stay in a "human-like" environment that is why I have been staying in the east for the past 47 years.

http://www.todayonline.com/Business/Property/EDC110624-0000182/Massive-home-supply-to-hit-outskirts ***Pay attention to those underlined. by Ku Swee Yong 04:47 AM Jun 24, 2011 2013 is less than two years away. I am feeling less lonely in expressing my views about the physical completion supply of residential units. It has been five years since I started to scrutinise the total stock of residential units in the pipeline, that is, current stock plus expected completions minus demolitions from en bloc programmes. Occasionally, people still ask: "Why look at completed supply when land sales are hotly bid and developers sell out most of their stock before construction has completed?" Regardless of the take up of pre-sales, physical supply and demand will ultimately influence future prices, rentals and returns. Two weeks ago, in an entry titled My Worries, National Development Minister Khaw Boon Wan cautioned in his blog (http://mndsingapore.wordpress.com) about the "massive supply that will hit the market from 2013". As of March 31, the official supply numbers for the next four years are as in the table. Mr Khaw's worry is about the total 50,826 units that could be completed in 2013 to 2015. With a historical long-term average supply of 8,000 units per year, the average of 17,000 units per year of supply from 2013 to 2015 seems risky should demand from users and tenants not increase in tandem. I have pointed out in previous commentaries in this newspaper and in my recently published book, Real Estate Riches, that there are inaccuracies in the supply data. IPA's own estimates are that the completions will take place earlier than what is reported by the Urban Redevelopment Authority (URA), which compiles and presents data based on submissions by developers. For our discussions in this article, let us assume the numbers above to be accurate. Where are the areas we shouldbe concerned about? Almost all of the completions expected in 2013 and beyond were launched after the 2008 Lehman crisis. In fact, as the luxury home market struggles to find its feet from the depths of 2009, the mass market residential segment has taken off in terms of value and the number of transactions. From its trough in 2Q2009, the price index for non-landed residential properties in the Core Central Region (CCR) increased 42 per cent to 204 points from 144 points. The same index for Outside Central Region (OCR) climbed more rapidly, up 54 per cent to 185 points from 120 points. Many Singaporeans are not surprised to hear of transactions in the outskirts, such as Jurong West, Pasir Ris and Yishun, at S$1,000 to S$1,500 per square foot - even for mass market finishes on 99-year leasehold land. In terms of the number of homes being constructed, the proportion of units in the more luxurious locations inside CCR will decline from 33 per cent in 2013 to 26 per cent in 2015. This means the proportion of units in the outskirts (OCR) and mid-tier locations (RCR) of Singapore will rise from 67 per cent to 74 per cent. Now, the percentage rise may seem mild but in absolute numbers, we can expect 8,686 units to be completed within the OCR and RCR in 2013, 13,014 units in 2014 and 14,510 units in 2015. For the optimistic, those numbers may still be matched by demand from strong job growth, new Permanent Residents and other pass holders - assuming a generous talent attraction programme, However, when we include the additional supply of public housing and its accelerated pace of building, the numbers start to pile up. We can expect the 16,000 units of HDB flats launched last year to be completed in 2013 and another 22,000 (very likely more) units to be completed in 2014 and 2015. And with Mr Khaw calling on HDB to build ahead of demand, it has effectively moved from Build-to-Order to Ordered-to-Build. So the completion of HDB units in 2015 and beyond could also be significantly ratcheted up. Now, we know that the mature estates have limited land to accommodate new HDB units. We estimate that almost all of the 22,000 units launched this year to be completed in 2014 and, say, a ratcheted-up 28,000 units to be completed in 2015 will be in the OCR and RCR. In terms of physical supply and demand from end users, new HDB flats in mature estates such as Holland Road (situated inside CCR) do not compete with private homes priced at well above S$1,000 psf. However, new HDB flats - and the vast supply of them - in OCR locations such as Hougang, Bedok or Bukit Panjang will compete for attention from first-time home owners or parents who are financing their children's first marital homes. Therefore, I perceive the risks of the "massive supply" weighing heavily against private residential projects in the outskirts. Even riskier would be the smaller-sized apartments in the outskirts that were purchased at prices 20 to 40 per cent above the neighbourhood's average psf prices. Conversely, with very few residential land sales and en bloc programmes in Districts 9, 10 and 11 since 2009, we can hardly expect significant fresh supply in CCR in 2013 to 2015. A significant number of completions in CCR come from the projects delayed since the previous peak, such as d'Leedon (en bloc), Leedon Residence (en bloc) and South Beach (Government Land Sales). While many investors may be concerned about short-term market jitters, others are looking to take advantage of the uncertainty by searching for solid long-term value buys that offer strong downside protection in the older CCR properties. Our recommendation will be to explore the larger-sized apartments of 2,000 to 4,000 sq ft that were completed before this century. The investment search might take a lot more effort as many gems lay hidden from us and probably hidden from the risks of the impending "massive supply". Ku Swee Yong is the founder of real estate agency International Property Advisor, which provides services to high-net-worth individuals. He is the author of Real Estate Riches: Understanding Singapore's Property Market In A Volatile Economy (Marshall Cavendish).

Pardon my blunt response to say that no one except your goodself can help, in this regard. Why? Look at below room layouts, spot anything in common? A room has door & window panel, FCU/fan on wall make situation more complicated. Once door is open, naked eye sure see the bed, unless he is a blind or the bed is invisible, or no bed at all. http://imageshack.us/photo/my-images/59/34535500.jpg/ http://imageshack.us/photo/my-images/190/tg1l.jpg/ What bed for a room to accomodate 2 ppls or more? Bunk, pull out, multiple tier..... If pocket has no money, anything AND everything also CAN. Problem is when pocket has some $$$, then this canot and that cannot. Any objection to these 2 statements?

Bro or sister? Don't like that le, I know you love and stay in CCR. Noticed u have "condemned" many locations in RCR & OCR.

I am very "seow" abt cactus/cacti. Have quite several books on this. The suculent plant has the morphologies features of standard plant, yet its root, stems or leaves are swollen. hat is why it can store a great qty of water and withstand drought. In a broad sense, cacti belong to succulent plants. In a narrower sense, however, cacti are excluded. Cacti is distinctive for the presence of areoles. Some of other succulents, eg Euphor-biaceae, Didiereaceae, Apocynaceae, Asclepiadaceae, Agavaceae, may bear thorns/spines, but the thorns/spines are part of the epidermis and do not grow out of areoles. According to WHO??? Those cacti with thorns/spines are "good cures" for "arrows", "blade", Shas, spirits and snakes. I grew them for horticultural purpose, very enjoy.

This is the Mother i law's chair, cannot be sitted. http://imageshack.us/photo/my-images/94/milchair.jpg/ picture #128. http://imageshack.us/photo/my-images/835/largenumberofbarrelcact.jpg/ I used to have a MIL's chair with diameter of 14 inch, at balcony's planter for strong sunlight. Gave to relatives with some miniture fruit trees when move to HDB where has only partial morning sun.

http://imageshack.us/photo/my-images/685/miltongue.jpg/ MIL's tongue is also called snake plant. Is one of the "succulent plants"= juicy plant . Scientific chinese name called: 金边虎尾兰. Propagation by offshoot, semi full sunlight (20-30% shading), keep soil moist, never dry out but avoid soaking. High temperature (25-35 deg C), soil with good water retention. The "juice" is poison, caused iritation to skin....this plant has ordinary horticultural value, therefore no recommended to put in house. The "cure" to plants which you don't like: a day a bit of soap water to soil. Mother-in-law's chair is preferred for fs. It is a plant, anyone knows what it is? Wife used to ask my 2 kids while young, to "sit" on it as punishment.

Reality is always "一种米养百种人". Many patterns. Therefore law is set recognising "no extension". Want to go against the law? Can ! Standby to pay "school fee" to learn "lessons". Teochew says "吃饱没事做，肉痒".

Just to share some pictures the effect of tilting of earth axis, to country like UK (Dale Fort)(51º28′N latitude). Son was at UK's Dale Fort, took these picture: Picture 1: 31/5/11, 4.26am - sun started to rise http://imageshack.us/photo/my-images/856/31511426am.jpg/ Picture 2: 31/5/11, 9pm - sky still bright http://imageshack.us/photo/my-images/861/315119pm.jpg/ Picture 3: 6/6/11, 10.17am at London's greenwich, London http://imageshack.us/photo/my-images/51/greenwich.jpg/ He also managed to view the 北斗七星 at night, too bad camera not good enough to capture the 7 star-group. I asked him to take these pictures before he set off.

I'm aware Luopan not accurate cos of shifting of magnetic north + factors in measuring environments, steel, iron, mineral, stray magnetic field etc. Gyrometer very expensive leh. How do you measure house's direction vs true north? Based on map? There are 4 directions as u mentioned, so door facing within the 15 deg of the 4 mentioned directions is considered best? Any "logic" to explain?

Are you bro "niu"? Finally someone highlighted the "true north" or "magnetic north" in fs.

When human body's 37 deg C starts loosing heat to ambience, it is considered "cold". Heat loss amount of body to ambience is directly proportionally to the amount of "breeze" pass cross over the skin. Heat loss rate associates with ambient humidity or relative humidity. The higher the RH, the lesser the rate. RH associates with ambient temperature. The higher the temperature, the higher the RH. In KSA, RH can reach 95%. Higher the RH make human body feels uncomfortable/stuffy/sticky skin.....So, basically LKY is right the +/- 20 deg(north & south) away from equator is not so suitable for human beings to stay. Likewise the +/- 20 deg from nort & south poles. Now in June-July, Northern hemisphere is subjected to maximum radiated heat from the sun, thought in these months, earth is furthest away from it. Now North pole is 24 hr day. Generally, the whole northern hemisphere is hotter than the counter part of southerm hemisphere. Hot air rise and become less dense, pressure difference created such that souther air blow toward the northern part. The same applies to residential premises. Wise to choose premises which are not expose directly to evening sun. NESW air flow characteristic during the whole year should be taken into consideration while selecting premises' door/windoor opening, height of premises and its surrounding. These "fs techniques" apply across the board, not to a particular "bazi". I've not, so far, read from paper or internet on writeups on such by local fsms.

Assuming sole bread winners A,B &C, each own a house with individual "wealth spot" identified by fsms and subsequently lighting at the wealth spots being put up. Outcomes: A becomes bankrupt, B as normal, C earns big money. What're the implications? Same FS "technique" not guaranteed work on different individuals? Or "somethings" else dictate the intended intention? If so, why don't put that "somethings" to make it work? Do you think "wealth" work in this way? Geomancers use & repeat the same old "techniques" on different customers. Hulu,pixus, coins, sword, bagua.....If they work, they (fs items) should have the same effects on all individuals. Mankind lives in a complex and volatile environmental settings, everything in life affecting each others of different extend. Much like "rojak", each ingredient has taste of others' ingredients'. Instead of "static display" of items, mindset, actions, reactions/response to changes..... are more important to make "intended dream" come true.

Toilet is big issue in Singapore. Don't believe? Read following links. http://www.toilet.org.sg/resources.html http://www.toilet.org.sg/articles/Advertisements.pdf http://www.nea.gov.sg/cms/ehd/public_toilet_guide.pdf

Reminded me of statistical hypothesis test which is sort of a method of making decision using data, whether from a controlled experiment or an observational study (not controlled, hearsay). FS can be "tested", the results should always be held constant (applicable to everybody), in otherwords, it is unlikely to have occurred by chance alone. Example: - Lighting at "wealth spot". Only "owner" of the house has wealth spot, those unmarried staying under the same roof have no "wealth spots"? If husband & wife also bread winners for the same house, then how huh? Like that how to do the "testing", cos the fundamentals are ambiguous, results sure to be ambiguous too.

Son just commented: Screw up neighbour with screw up citizens. Then everybody busy for them.

Can ask Khaw Boon Wan via: http://mndsingapore.wordpress.com/ http://www.facebook.com/khawboonwan Likely he will tell you MND adopts "hypothesis testing" approach.

MND not so stupid. MOP rule applies to both Singaporeans & PR who bought subsidised or non-subsidised HDB flats. If flat owner bought before 30 Aug 2010, he can buy pty, if bought after 30 Aug 2010, has to wait till MOP is up.

http://singaporeseen.stomp.com.sg/stomp/sgseen/what_bugs_me/660636/jb_horror_women_detained_and_forced_to_do.html http://sg.news.yahoo.com/blogs/singaporescene/porean-women-file-complaint-against-m-sian-immigration-133629510.html Got such thing one meh? - Fetch friend back from HK in Changi airport then proceed to JB for "super", midnight? - 1st time driving across to JB, but got bought (touch & go) card which can only be bought in malaysia. - Why Malaysia custom lane got "unmanned" yet "open" one meh, what system is this? - Make a "U-turn" ended up spent 46hrs +..... for the 29yr & 30+yr Singaporean women. - I thought insurance and real estate ladies vey smart? See want to have "super" at JB or not, Geylang, Joo Chiat cannot meh? Must go from east to north?

Gentle reminder: A perfect lunar eclipse can be viewed from Singapore on June 16 2011 (Thursday morning) for 3.39 hours. The spectacle will begin at 1:22am, reach full stage at 2:22am and end at about 4am. Moon now (7.49pm, 15/6/2011) at East, will be at West on 26/6/2011, 4am. 16/6/2011 is lunar 初十五 = Full moon.

If Khaw were to actualises this rule, meaning more 1st timer couples will "chiong" for BTO, giving up EC, DBSS, HDB/pty resale and pty new. This causes grapevine chain effects, no play play. BTO is already sort of short-supplied in present time (early 2013 will be a new chapter). Is a matter of time this salary ceiling rule will be revised and could be completely discarded. True that HDB resale is on high side now, however, for own stay, why worry? Keep this, save money and buy pty for investment/part time stay lah.